Please note that the above examples are for illustration only and the borrowing rate offered will depend on borrower circumstances. In some instances additional security may be required (e.g. Guarantor), however, this will also depend on the circumstances of the mortgage.

Please note that the above examples are for illustration only and the borrowing rate offered will depend on borrower circumstances. In some instances additional security may be required (e.g. Guarantor), however, this will also depend on the circumstances of the mortgage.

Other costs to consider

In addition to the above costs, you will also be responsible for the Bank's legal costs, which will depend on the mortgage amount. A written estimate of the Bank's legal costs will be made available to you upon request and when your loan application is agreed. You should also bear in mind that you will have your own legal costs and expenses (e.g. taxes) to meet in respect of your purchase of the property. You may also have the opportunity of using the same law firm as the Bank and they may be able to offer you a discounted price. Please contact us for more information.

Suitable property insurance will be a condition of the mortgage, but is not arranged by the Bank and is your sole responsibility. Whilst we do not usually make life insurance a condition of the mortgage, you should consider if you would like to arrange cover to repay the loan in the event of death or loss of income from illness. There are various types of life cover available, but this is not arranged by the Bank and you should take your own independent advice.